On the one hand, it is a pity that such a large enterprise has gone bankrupt like this, and in addition, the most important thing is that the ICBC where President Ren is located is a creditor of Tianyuan Company, and the Changda Financing Guarantee Company under Guan Yuntian's Changda Group is the debt guarantor of Tianyuan Company.

Lao Ren thought that Guan Yuntian didn't know anything about the situation, and he said: "No matter how big or small the enterprise is, the quality and ability of the boss are too important!" Lao Zhang, the chairman of this Tianyuan company, has the authority in the enterprise, but he does not have the judgment ability to make major decisions alone, when there is a crisis in the tire market, it is wise to take out some resources to develop other fields, but he has not been discussed by the board of directors, rashly entered the pharmaceutical industry, it stands to reason that the pharmaceutical industry is a very good industry, but he made two mistakes, one is not to correctly assess the strength of Tianyuan company, and in addition, the products he chose are not appropriate. ”

"Oh, you know so clearly, what does Tianyuan's choice of the pharmaceutical industry have to do with their own strength?" Guan Yuntian said.

"The pharmaceutical industry is a capital- and technology-intensive industry, and the requirements for enterprise management are also very high, and Tianyuan Company lacks these three points. First of all, their funds are not loose; second, Tianyuan Company was born in tires, and previously knew nothing about the pharmaceutical industry, although it was possible to recruit technical personnel, but Lao Zhang was reluctant to spend money, and did not have enough trust in foreign talents, so he could not retain those technical experts who were recruited; third, in Tianyuan Company, Lao Zhang's management was chaotic, and the pharmaceutical industry had higher requirements for enterprise management, so he was even more at a loss. Ren Xing said.

Guan Yuntian nodded in agreement, "Just now you said that the products they chose were inappropriate, didn't they conduct market research in advance?"

"I don't know if there was market research or not, but they chose that antibiotic, and the market outlook was not very good. ”

"Oh----, no wonder there's a backlog of funds!"

This is only one aspect of the problem, the product selection is not appropriate, it stands to reason that the general should consider changing production for products, but Lao Zhang stubbornly believes that the product is unsalable because the production scale is too small, the product price is too high, so he is desperate, do everything possible to raise funds to expand the scale of production, as a result, the black hole of funds is getting bigger and bigger, the expansion has not been completed, the company's capital chain is broken, and eventually leads to bankruptcy. "Lao Ren has a more detailed understanding of what happened.

"Didn't you do a detailed investigation of the original loan from the Industrial Bank of Tianyuan?"

"You know, we are a big bank, the loan process is very formal, we are very strict in the inspection and review of loan companies, and there are many procedures. ”

"During the whole process, didn't you find any clues about the hidden crisis of Tianyuan Company?" Guan Yuntian felt incredible.

"Although I did not personally examine and inspect the loans, our handling personnel also have quite a wealth of work experience, and they have not found any clues, which can only show that Tianyuan Company has covered it up too well! When the Changda Financing Guarantee Company provided guarantees for them, didn't it also have an examination and inspection link? Lao Ren's tone was somewhat regretful.

"Yes, Tianyuan Company has covered up its ugly side seamlessly, and deceived the bank and the guarantee unit! In the final analysis, the two of us don't know much about Tianyuan Company, if you are familiar with the situation, Changda Financing Guarantee Company

I won't vouch for them anyway!" Guan Yuntian said.

"No, if it weren't for the guarantee provided by Changda Group, it would be impossible for ICBC to accept Tianyuan's loan application. ”

"Hey, it's too late to say this, let's see how we can minimize the damage caused by this matter. "Guan Yuntian said.

"According to the bankruptcy liquidation procedure, it is not yet the turn to pay off the general creditor's rights. ”

"Yes, I have consulted the legal counsel of Changda Group, the repayment of general claims is the last procedure of bankruptcy liquidation, but general claims involve the interests of the three parties of claims and debts and guarantees, can we make some preparations in advance?"

"Now I can't get in touch with Lao Zhang of Tianyuan Company, without the participation of the debtor, the three parties can't get together, and there is no way to prepare in advance!"

Guan Yuntian's purpose of looking for Lao Ren is mainly to seek some kind of compromise between the guarantor and the creditor, "President Ren, the general creditor's right seems to be the relationship between the creditor and the debtor, as well as the guarantor, but in fact, the final contradiction is concentrated between the creditor and the guarantor, so before liquidating the general debt, we can make some preparations in advance to see if we can find common interests." After all, Changda Group has had business dealings with ICBC for many years, and it is your gold medal customer. "Guan Yuntian said.

"Well, Mr. Guan is reasonable, we should try to avoid unnecessary losses to both of us. But where do you start?"

"It can be envisaged that after all the previous procedures have been completed, the final step is to pay off the general debts, and as a creditor, ICBC filed a civil lawsuit against Tianyuan, and the court ruled to auction off the remaining assets of Tianyuan Company to repay the bank loan. If their remaining assets are enough to pay off the bank loans, then everyone will be happy, and neither creditors nor guarantors will lose anything except the bankrupt Tianyuan. ”

"If that's the case, it would be great!"

"The problem is that such a situation is almost impossible! First of all, the general creditors of Tianyuan Company are definitely not only you, ICBC, and according to the regulations, the remaining assets should be distributed to all creditors in proportion; second, as far as the management and operation of Tianyuan Company is concerned, I estimate that in the process of bankruptcy liquidation, after dealing with the previous matters, their assets are already very little, and even if they are used to pay off the debts of ICBC, I am afraid it will be much worse. In short, in either case, as a creditor, you have to ask the guarantor to repay the bank loan on behalf of the debtor. "Guan Yuntian said.

"According to the provisions of the security agreement, in the event that the debtor fails to perform its obligations, the guarantor shall bear the corresponding liability. Ren Xing said.

"In this way, the bank has recovered the loan without any loss, and has received interest income before, but the guarantor has repaid the loan for the debtor, and not only has it not received any gain, but has lost a large amount of money.

"Although it makes sense, the loan conditions of any financial institution are so stipulated, and I have no right to change them, don't you say?"

"What we're discussing now is not to change the loan rules, no one has the right to do that, but the regulations are dead, and the people who enforce the regulations are alive, aren't they?" Guan Yuntian said.

"I don't understand what you mean, you might as well just say something. ”

"Transfer the loan of Tianyuan Company to the name of Changda Group

At the same time, after the court judgment, the part of Tianyuan Company's assets that should be attributed to your bank will also be transferred to Changda Group. What do you think, President?"

Hearing these words, Lao Ren lowered his head and pondered for a long time, and after five or six minutes, he raised his head and said incomprehensibly: "It is worthy of Mr. Guan, there are many ways, no wonder the outside world says that you are a master of dealing with thorny problems!"

"Governor Ren, whether you praise or disapprove, just tell me whether you agree to do this. Guan Yuntian waited for Lao Ren to make a statement.

Lao Ren stared at Guan Yuntian with a strange gaze, "This means that Changda Financing Guarantee Company does not have to bear the repayment obligation for Tianyuan Company?"

Guan Yuntian nodded, "But your bank didn't lose anything, right?"

"Although there is no loss, this does not meet the regulations, and it is quite difficult to operate! Mr. Guan, you are giving me a problem!"

Guan Yuntian smiled, "Brother Ren, aren't we friends? Since we are friends, we should stick a knife in both sides at a critical moment, I believe you will have a way." ”

"Ouch, you said it easily, do you know how risky this kind of non-compliant thing is?"

"I know you need to bother, who let us two be buddies? I think at the beginning, ICBC fell into the trap of Defa Refinery, and the loan of seven or eight billion yuan was about to become a bad debt, you let us take a stake in Defa Refinery and participate in their expansion and transformation, and we were faced with such a big risk at that time, I didn't say a word, so I took out three or four billion yuan from Changda Group and invested it, and finally successfully untied you and retreated from Defa Refinery. Brother Ren, do you still have an impression of that incident?"

Guan Yuntian was not a person who turned over old accounts, but Lao Ren played with him officially, did not cooperate, tried in vain to see the jokes of Changda Group, and tried to make Changda Group lose hundreds of millions of funds in vain, which is obviously not what a friend should do, which made Guan Yuntian very annoyed!

In addition to the successful dismissal of Lao Ren at the Defa Refinery at that time, although Guan Yuntian had a better relationship with the president of the Agricultural Bank of China, in terms of business dealings, he asked the Ministry of Finance to treat all financial institutions equally.

At this time, the institutions under the Changda Group encountered some trouble, but Lao Ren wanted to stand by and watch the excitement, of course Guan Yuntian would beat him with words.

Of course, Lao Ren will not forget that past, but when Guan Yuntian mentioned it again, he was also very unhappy, but in the face of the Changda Group behind Guan Yuntian, he could only listen, or what else could he do?

"Don't mention the past, don't worry, I can't do it before I finish speaking, I just said that it is more troublesome and has a certain risk. Lao Ren smiled awkwardly at Guan Yuntian.

"Brother Ren, don't worry, I, Guan Yuntian, am not that kind of person, and I won't embarrass my friends if the risk is too great. First of all, tell me if my plan is feasible?" Guan Yuntian said.

"Although it is more troublesome for us to transfer the loan you guaranteed for Tianyuan Company to the name of Changda Group, we have to say that such a clever trick is very clever! However, although we do not have to bear the responsibility of repaying the debtor, if the court awards us that part of Tianyuan Company's assets are not enough to offset their debts in ICBC, this part of the loss between the two is still unavoidable. ”